Commercial Investment Mortgage
WHAT IS A COMMERCIAL INVESTMENT MORTGAGE?
A Commercial Investment Mortgage is a loan for purchasing or refinancing income-generating properties like offices, retail spaces, warehouses, or apartment buildings. It’s tailored for investors looking to profit from property rental income or capital appreciation.
Unlike residential mortgages, commercial mortgages are assessed based on the property’s potential earnings and the borrower’s business acumen. Due to the increased risk involved, this type of mortgage typically has higher interest rates, larger down payments, and stricter lending criteria.
Key Benefits
PURPOSE & USE
For income-generating properties
Suitable for diverse commercial spaces
Ideal for long-term investment
Leverage for property portfolio expansion
FEATURES & BENEFITS
Higher borrowing limits
Based on the property’s income potential
Flexible repayment terms
Potential tax advantages
CONSIDERATIONS & RISKS
Requires minimum 25% deposit
Higher interest rates than residential
Stringent eligibility criteria
Market-dependent risks
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WHY CHOOSE CLEVER COMMERCIAL?
Experienced. Trustworthy. Tailored.
With 30+ years of expertise, Clever Commercial is a trusted name in property financing. We provide bespoke solutions, competitive rates, and an exceptional client experience. Partner with us for a stronger future.
Our clients rely on us because we champion their ambitions. We’re more than brokers—we’re committed allies in their financial journey.
FREQUENTLY ASKED QUESTIONS
What is a Commercial Investment Mortgage?
A Commercial Investment Mortgage is a loan for purchasing or refinancing properties used for business purposes, like offices, retail spaces, or industrial units. It focuses on generating income through renting or leasing the property.
How Does a Commercial Mortgage differ from a Residential One?
Commercial mortgages typically have higher interest rates, require larger deposits, and involve a more detailed assessment of the business and property. They also consider the potential income the property could generate.
What criteria do lenders consider for approval?
Lenders assess the borrower’s creditworthiness, the business’s financial health, the property’s value, and its potential to generate income. They may also consider the borrower’s experience in managing similar properties.
Can I get a Commercial Mortgage for any type of property?
Generally, commercial mortgages are available for most types of commercial properties, but the suitability and terms can vary based on the property type, location, and intended use. Some lenders may have specific restrictions.
OUR CLIENTS THOUGHTS
RECENT TESTIMONIALS
Marc worked over many months to help me find the right financial product to suit my complicated refinancing project. Having identified the right product, Marc then worked for many more months to help me get the financing completed. I had so many issues that I had to face and at every obstacle Marc was on hand to help me to resolve it, and very often took it upon himself to do it for me. Marc went for beyond just brokering a good deal for me, he was my partner in making this happen. I could not have done this without his support. Thank you Marc for being so calm and patient and having faith when I had lost mine!
I. Knight
Marc has provided our company with excellent service and advice. He has vast experience and knowledge, and is able to advice on the most suitable lenders given our requirements.
Especially during the legal stage of the lending process, he facilitates and communicates with lenders in a way we would not be able to ourselves.
We would certainly not be where we are without his services. Highly recommended.
M. Dunn
The service provided for my bridging loan was second to none. The support I received was very professional and generous.
I would highly recommend Clever Commercial to everyone and anyone who needs a professional, caring and competitive rate for it’s loan or any kind of finance.
D. Dezfull
Marc has provided our company with excellent service and advice. He has vast experience and knowledge, and is able to advice on the most suitable lenders given our requirements. Especially during the legal stage of the lending process, he facilitates and communicates with lenders in a way we would not be able to ourselves. We would certainly not be where we are without his services. Highly recommended.
P. Strøm